Put your home's equity to work.
Turn the equity you've already built into flexible cash — with flexible rate options available1, borrow up to $750,000, and keep your first mortgage exactly where it is.
Competitive
Rates$750K
Borrow up to~5 min
Preliminary resultVariable rates may increase after closing. APRs, rates, and product availability vary based on individual credit profile and loan characteristics. Subject to credit approval, including credit score and combined loan-to-value requirements, and a first or second lien position on an owner-occupied primary residence. Origination and third-party fees may apply. Not a commitment to lend. See important HELOC disclosures.
Your HELOC
Rate check
~5 min
Max line
$750K
Funding
5 days
Your equity, on your terms
Tap what you've built without touching your first mortgage — with flexible rate options available.Flexible rate options
Choose the rate structure that fits your plans — your advisor walks you through the options for your scenario.Up to $750,000
Tap serious equity for renovations, debt payoff, or whatever's next.See if you may qualify in ~5 minutes
Answer a few quick questions and get a preliminary estimate — fast.Cash in as few as 5 days3
From approval to funded in days, not months.Soft credit pull
See your options with no hard pull and no SSN required to start.First mortgage stays put
Borrow against your equity without touching your low primary rate.A better way to borrow
The same Savvy difference, now on your home equity.A direct lender
We lend directly, with relationships straight to the capital markets, so your line is priced directly by us as your lender — with competitive rates, checked daily.No junk fees2
One transparent process — no separate application, admin, or processing add-ons padding your costs. Other lender fees, third-party fees, and program-specific charges may apply.A dedicated team
An advisor who knows home equity cold — with you from check-my-rate to funded.Equity that works as hard as you do
A HELOC gives you a flexible line to draw from — borrow what you need, when you need it, and only pay for what you use.Consolidate debt
Roll high-interest balances into one payment.Renovate
Fund the kitchen, addition, or upgrade that adds real value.Big expenses
Tuition, a wedding, or medical bills — covered on your terms.Stay ready
Keep cash on hand for the opportunity you didn't see coming.Funded in four steps
From checking your rate to cash in hand — most of it happens the same week.STEP 01
Check your rate
A few quick questions. Soft pull only — no hard credit check to start.STEP 02
See your number
Get your estimated available line in seconds — no guessing.STEP 03
Verify & approve
Confirm a few details — a preliminary result in about five minutes, with final approval after verification.STEP 04
Get funded
Sign digitally and access your cash in as few as five days.Variable rates may increase after closing. APRs, rates, and product availability vary based on individual credit profile and loan characteristics. Subject to credit approval, including credit score and combined loan-to-value requirements, and a first or second lien position on an owner-occupied primary residence. Origination and third-party fees may apply. Not a commitment to lend. Funding timelines vary.
I rolled three balances into one fixed payment and still had room to redo the kitchen. From check-my-rate to funded was under a week.
The experiences of individual clients may not be representative of the experiences of all clients. Savings are not guaranteed and will vary based on your unique situation and other factors.
HELOC FAQs
A Home Equity Line of Credit lets you borrow against the equity in your home — draw what you need, when you need it. With Savvy, flexible rate options are available — your advisor helps you choose the structure that fits.
Home Equity Lines of Credit (HELOC) feature a draw period followed by a repayment period. During the draw period, you may be required to make only minimum payments. Variable rates are subject to change, which may increase your monthly payment. Tax deductibility may vary; consult a tax advisor.
Your equity is ready when you are.
Check your rate in minutes — soft pull only, no SSN required to see your options.
Credit inquiry disclosure
Important rate & fee disclosures
- Variable rates may increase after closing. APRs, rates, and product availability vary based on individual credit profile and loan characteristics. Subject to credit approval, including credit score and combined loan-to-value requirements, and a first or second lien position on an owner-occupied primary residence. Origination and third-party fees may apply. Not a commitment to lend.
- No separate administrative or processing fees. Other lender fees, third-party fees, prepaid items, and program-specific charges may apply.
- Funding timelines vary. Most applicants see a preliminary eligibility result in about five minutes. Final approval follows verification of your details, and many borrowers are funded in as few as five days after that.